Obamacare

[jamazur07]

My grandma for the past few days keeps talking to me about signing up for Obamacare because she feels that I may qualify for the free medicaid but I am one who does not want to become dependent upon the government. Plus part of me fears that it may be a trap. Right now I have a seasonal job working at one of the big retailers (which I know I don’t want to do for the rest of my life) so my income is bare to nothing with having to pay for gas and food, luckily I am living with family. Do any of you suggest that I go for the free medicaid through Obamacare of wait it out. I have a friend who feels that Obamacare will collapse on itself. Any thoughts, suggestions, ideas would be great. Thank you.

 

[Cojuanco]

If you are concerned about the moral implications, I would ask your priest.

 

[alevanpa]

jamazur07:
First, If you don’t make enough money, you may be eligible for government subsidies (the limits are set by the government) which are determined when you sign up for “Obamacare.”
Second, if you are younger than 26, you can, if your parents have healthcare policies, be carried on theirs. Once you turn 26, however, you must access the Online healthcare exchange and get your own policy (see above).
Obamacare collapse:
I don’t know if it will collapse, but I do think that, over time, health care will be provided, essentially, as it is today: The best policies, and the rich, will get the quickest and best treatment. This is simple economics (and arithmetic). What the Washington politicians are trying to do is to extend access to a limited resource (medical care) to 100% of the population on an “as desired” basis.
“Access” is the idea behind “Health Insurance.” The implication to be drawn is that, because I have a policy, I can access medical treatment (doctors and equipment) whenever, and however, I need (or want) it. This is physically impossible>
If you’re interested, compare: hotair.com/archives/2010/02/02/canadian-province-premier-bails-on-single-payer-system-for-surgery/.
and this site: newamerica.net/node/9449.
Unfortunately, the world don’t work the way the politicians are pretending that it will. Everyone with insurance (or in single-payer systems for that matter) is never able to, at will, access a limited resource like medicine. Even Europe has concluded this; and doctors are taking cash customers (the rich) and private insurance.

 

[St_Francis]

My grandma for the past few days keeps talking to me about signing up for Obamacare because she feels that I may qualify for the free medicaid but I am one who does not want to become dependent upon the government. Plus part of me fears that it may be a trap. Right now I have a seasonal job working at one of the big retailers (which I know I don’t want to do for the rest of my life) so my income is bare to nothing with having to pay for gas and food, luckily I am living with family. Do any of you suggest that I go for the free medicaid through Obamacare of wait it out. I have a friend who feels that Obamacare will collapse on itself. Any thoughts, suggestions, ideas would be great. Thank you.

If you cannot get on your parents’ insurance and you can get on Medicaid, which is free for you, it may be that your grandmother is thinking that if anything were to happen to you that your family would probably try to help you out and this could cause problems for them.

For example, if you were in a car accident and were unconcious, your family would the be thinking you needed care. But who would pay for the care? Your grandmother may be envisioning your parents’ selling everything they own to keep you alive, and one of those parents is her child, so naturally she is worried.

Not saying that all this should necessarily influence your decision, just thinking about where your geandmother may be coming from. I totally understand your desire not to be dependent on the government.

 

[GratefulFred]

I am all for helping the truly needy. I am not for paying for the lazy who try to mooch off the system. How to set a rule to distinguish the difference between the two is hard and beyond my capacity.

Just as there is no free lunch, there is no free medical care. Somebody has to pay. Who pays is the question. And how much they are expected to pay is also an important question. And can those who have to pay actually afford to? See what is happening to the 5 million plus who were dropped and face having to pay much more to regain coverage or opt out and pay only the 1% of their income, a minimum of $95 a year. Paying much more is one important Obamacare way of getting money from the working class to pay for medical care for those who do not have any right now.

You described your current income situation as being way too little to afford your own insurance. You also indicated that it is temporary, you expect better income in the future. Currently you are at some risk of a major medical event. If you are healthy, that risk is small and thus acceptable, but if you ever need major medical, you would rue the day you passed on accepting some form of public assistance. You would get some assistance anyway but perhaps not all the medical help without some form of insurance.

I am no expert and do not know your details and I do not have to live with your decision. I do urge your to pray and study up.

 

[tjones80]

My grandma for the past few days keeps talking to me about signing up for Obamacare because she feels that I may qualify for the free medicaid but I am one who does not want to become dependent upon the government. Plus part of me fears that it may be a trap. Right now I have a seasonal job working at one of the big retailers (which I know I don’t want to do for the rest of my life) so my income is bare to nothing with having to pay for gas and food, luckily I am living with family. Do any of you suggest that I go for the free medicaid through Obamacare of wait it out. I have a friend who feels that Obamacare will collapse on itself. Any thoughts, suggestions, ideas would be great. Thank you.

The medicaid program is catastrophic health insurance program. You will be hard pressed to find a doctor that will accept it. However, if you break a leg or something else happens it will provide you with Hospital coverage to get things that are serious taken care of without forcing into bankruptcy and ending up with bad credit. When I was in my twenties I developed gall bladder disease and luckily I had health insurance through my employer and ended up only with a $2500 bill instead of a $15,000 bill.

If you do need to see a medical professional on medicaid you will have to find a free or community clinic to treat you.

If you don’t have any health insurance and something serious happens a hospital and/or doctor do not have to treat you. They just must provide “emergency” care.

As soon as you have the finances to buy your own health insurance or obtain it from an employer you can drop medicaid.

If the Medicaid program for single adults under ObamaCare is ended then you will just be dropped from the program. At any time you can contact your state medicaid office to be dropped from the program.

You never know if a medical emergency will occur, so it is best to have coverage. If you don’t end up using Medicaid for anything then it will not cost the government any money for you to be on the program except for a small administrative costs.

 

[ThinkingSapien]

ISee what is happening to the 5 million plus who were dropped and face having to pay much more to regain coverage or opt out and pay only the 1% of their income, a minimum of $95 a year.

The 5 million number might not be accurate any more. Insurance companies that were offering plans that were below the requirements were given the opportunity to continue to provide those plans to the customers that have them if they make it clear what the person is missing out on.
LA Times:

But the officials said insurers would be free to offer their customers the option to remain on their current plans rather than switching to the new plans, which in some cases are more expensive.
If insurers offer this option, however, they would be required to notify consumers which benefits their current plans are missing. Insurers would also have to alert their customers that other options might be avaliable on the new marketplaces created by the Affordable Care Act.
Source

 

[PaulfromIowa]

If you qualify for Medicaid, I think that you should enroll so that you have some health care coverage. Medicaid is administered by state governments. The Affordable Care Act/Obamacare is morally very problematic and financially unfeasible at best and will have to be modified in the future. However, those who enroll in Medicaid are not morally responsible for these problems.

We should all pray for our country daily that a morally and financially responsible solution to these problems can be found. Pray for a softening of the hearts of all those supporting the Culture of Death.

 

[GratefulFred]

The 5 million number might not be accurate any more. Insurance companies that were offering plans that were below the requirements were given the opportunity to continue to provide those plans to the customers that have them if they make it clear what the person is missing out on.

As I understand it: The 5 million plus were dropped BECAUSE the Obamacare LAW required it. Being ‘free’ to reverse the drops is just not complying with the law. The President is saying, “If you want, you can ignore the law.”

Imagine that: A president telling America, you can ignore the law, but the law cannot be changed.

Also the reversal is for ONE YEAR ONLY. A one year delay is not being able to keep your plan.

 

[Listener]

If you are poor and have no medical insurance, you should definitely see what Obamacare has to offer. No one should be without medical insurance.

 

[mikekle]

As I understand it: The 5 million plus were dropped BECAUSE the Obamacare LAW required it. Being ‘free’ to reverse the drops is just not complying with the law. The President is saying, “If you want, you can ignore the law.”

Imagine that: A president telling America, you can ignore the law, but the law cannot be changed.

Also the reversal is for ONE YEAR ONLY. A one year delay is not being able to keep your plan.

This wont work, whether its for one year or 20 yrs, For Obamacare to even break even, they need 7 million healthy people to sign up, this alone will never happen, yet if they go and allow everyone to keep their old insurance for one more year…what do think these people are going to say when that year is up…they will demand they be allowed to keep what insurance they find to be the best for their situation.

I looked into a plan, but the deductibles are ridiculous!!! I dont see how they can call this affordable care act at all LOL I currently have zero deductible, and no co-pays. Thankfully I have not received a notice that I need to change plans, so Im keeping my plan with nationwide from work, and if they tell me I must buy a plan from the Govt, I will pay the $95 fine and go without insurance altogether.

I think the whole obamacare is horrible and seems to be only about making lots of money for those in the insurance industry. These are the real criminals IMO.

 

[marty1818]

Insurance companies that were offering plans that were below the requirements were given the opportunity to continue to provide those plans to the customers that have them if they make it clear what the person is missing out on.

Those plans still remain illegal under current law. All that has changed is that the law will not be enforced for another year. It makes little sense for the companies to continue offering these plans when they have no protection under the law if they are sued over a claim.

 

[St_Francis]

This wont work, whether its for one year or 20 yrs, For Obamacare to even break even, they need 7 million healthy people to sign up, this alone will never happen, yet if they go and allow everyone to keep their old insurance for one more year…what do think these people are going to say when that year is up…they will demand they be allowed to keep what insurance they find to be the best for their situation.

I looked into a plan, but the deductibles are ridiculous!!! I dont see how they can call this affordable care act at all LOL I currently have zero deductible, and no co-pays. Thankfully I have not received a notice that I need to change plans, so Im keeping my plan with nationwide from work, and if they tell me I must buy a plan from the Govt, I will pay the $95 fine and go without insurance altogether.

I think the whole obamacare is horrible and seems to be only about making lots of money for those in the insurance industry. These are the real criminals IMO.

It’s not the insurance industry–ACA requires that insurance company spend a certain percentages of the money it gets in premiums on medical care. (This is actually going to be a huge problem because the insurance companies won’t have a reserve for bad years–and as it was before, insurance companies had a pretty low profit margin.)

 

[St_Francis]

Those plans still remain illegal under current law. All that has changed is that the law will not be enforced for another year. It makes little sense for the companies to continue offering these plans when they have no protection under the law if they are sued over a claim.

The companies are not going to be able to resusitate these old plans due to a hige number of reasons. Probably very few of thise who lost their insurance will get it back despite Obama’s change.

And it’s not because of the greed of the insurance comapnies but because they have completely re-geared their companies, their computers, their state insurance board approvals, everything, to be in line with ACA as written.

 

[Mickey_Finn]

If you are poor and have no medical insurance, you should definitely see what Obamacare has to offer. No one should be without medical insurance.

Around 70% of physicians are excepting new medicaid patients. While it’s not the insurance you may hope for. It will guarantee some coverage while you find your way in the world.

Good luck in the future!

 

[rae317]

If you are uninsured and have a major accident or illness you wont be able to pay and will end up relying on assistance anyway.

 

[tomarin]

You never know if a medical emergency will occur, so it is best to have coverage.

Yes. This is the logic behind insurance.

 

[mikekle]

The companies are not going to be able to resusitate these old plans due to a hige number of reasons. Probably very few of thise who lost their insurance will get it back despite Obama’s change.

And it’s not because of the greed of the insurance comapnies but because they have completely re-geared their companies, their computers, their state insurance board approvals, everything, to be in line with ACA as written.

Well, that is going to be their problem, If the president comes on and tells the public something, like they can keep their original plans if they like it, that must happen, or else there will lawsuits left and right. The democratic party knows this, so I highly doubt they will let Obamacare fail…publicly anyway, they will MAKE SURE it succeeds, one way or another, the insurance industry does not stand a chance of throwing a wrench into the works. They know they have to make obamacare seem successful in the publics eyes, obamas reputation is riding on it after all.

Why is it, no one saw any of these problems coming? I cant believe someone, somewhere did not run the numbers with this new act and did not see anything wrong?!!

 

[qui_est_ce]

Well, that is going to be their problem, If the president comes on and tells the public something, like they can keep their original plans if they like it, that must happen, or else there will lawsuits left and right. The democratic party knows this, so I highly doubt they will let Obamacare fail…publicly anyway, they will MAKE SURE it succeeds, one way or another, the insurance industry does not stand a chance of throwing a wrench into the works. They know they have to make obamacare seem successful in the publics eyes, obamas reputation is riding on it after all.

Why is it, no one saw any of these problems coming? I cant believe someone, somewhere did not run the numbers with this new act and did not see anything wrong?!!

They did. Obama said, “We won” to them.

And Nancy Pelosi said, “We have to pass the bill so YOU can find out what’s in it.”

 

[St_Francis]

Well, that is going to be their problem, If the president comes on and tells the public something, like they can keep their original plans if they like it, that must happen

Well, the president said that something like 40 times, and then allowed and signed a law and approved the bureaucratic regulations which prevented people from keeping their insurance policies.

It is *not *the fault or problem of the insurance companies, which were *following *the law and regulations. What were the companies supposed to do? *Not *follow the law?

, or else there will lawsuits left and right.

Who will be sued? The companies cannot be sued for *following *the law, can they?

The democratic party knows this, so I highly doubt they will let Obamacare fail…publicly anyway, they will MAKE SURE it succeeds, one way or another,

I don’t think they can really do anything about it. Once you’ve made the omelet, you can’t put the eggs back together again.

the insurance industry does not stand a chance of throwing a wrench into the works.

The insurance industry is not the one who placed a wrench into our insurance system.

They know they have to make obamacare seem successful in the publics eyes, obamas reputation is riding on it after all.

So what? Obama can’t be re-elected president, so it’s everyone for himself now.

Why is it, no one saw any of these problems coming? I cant believe someone, somewhere did not run the numbers with this new act and did not see anything wrong?!!

I don’t know if you can go back that far in the World News forum*, but there were plenty of people predicting a lot of these very problems. That, not racism, was the reason that many people were against the ACA, because the problems were foreseen. Bit the people who voted for it just ignored the problems inherent in the design of the bill in their devious and underhanded manipualtion of laws to get it passed.

*If you go to advanced search and run a search for Obamacare in thread titles, you get posts all the way back to 2010, and one in 2009.